Collection on Title Loan

Collection on Title Loan

If We default on a name loan can the financial institution repossess my vehicle?

We place my vehicle name as security on that loan. I’ve been experiencing difficulties that are financial never have made a re payment in 45 times as well as have granted a warrant with debt in my situation. They usually have made no tries to repo the car nonetheless they continue to have the title. Do they need to repo the vehicle first then hold me personally in charge of any cashcall balance that is remaining any? Or even why will not the title is given by them? Do they need to obtain the judgment though they already have the title before they can repo the vehicle even?